Choosing a reliable payment service for affiliate marketing in 2025 is not an easy task, given their huge variety. Therefore, it is important to understand the key selection criteria and take into account the service’s reputation in the market.
How to choose a payment system for affiliate marketing and Why it is important
The payment service plays a key role, acting as a link between affiliates and card issuers. It facilitates access to the banking system, provides the ability to use multiple cards for different GEOs, protects users’ personal data and reduces potential risks.
The main criteria for choosing a payment system:
- Study the registration process.
Choose services where the verification process is minimal or confirmation via a manager is required to avoid unnecessary complications. - Evaluate the variety of virtual cards.
Services with a wide selection of cards for different tasks are always preferable to those with limited capabilities. - Check the available payment methods.
The more options for replenishing and withdrawing funds a payment system offers, the more convenient it will be for work. - Pay attention to the activation speed.
Reliable services provide instant issuance of cards. If there are delays, this may indicate a low level of service. - Analyze the cost.
Pay attention not only to the free issue of the card, but also to the fees for maintenance, replenishment and transactions in order to take into account all expenses in advance. - Study additional conditions.
Clarify the limits, the possibility of refunds, available GEOs, as well as the advantages of cards with 3DS support and their cost.
Top 3 payment systems for affiliate marketing in 2025
1. e.PN
e.PN is an international payment service created by affiliates for affiliates, media buyers and digital agencies.
The platform can issue both special virtual cards for paying for advertising campaigns on various platforms (Facebook, Google, Tiktok, Instagram and others), and universal cards for paying for goods and services around the world.
Advantages:
- Wide range of cards.
Visa and Mastercard are supported, as well as over 52 exclusive trust BINs from over 12 countries, including the US, Chile, Brazil, Thailand, Korea, France, the UK and more. - Attractive fees and prices.
e.PN offers low fees for replenishment (from 2.5%), and the cost of issuing a card is only $2–$4. - Ease of use.
The service offers 24/7 support, a convenient Telegram bot and a command management function to simplify the work. - Instant card creation.
Cards can be issued instantly through the mobile app, which saves time and effort. - Loyalty program for active users.
The grading system allows you to track expenses and reduce fees as your account level increases.
To summarize: e.PN combines some of the lowest fees on the market with a large selection of banks and account replenishment methods, making it one of the leaders in its category.
2. Skrill
Skrill provides online payment and money transfer services worldwide, allowing affiliates to pay directly to a bank account or Skrill wallet without international transfer fees.
Advantages:
- Global coverage.
Available in over 120 countries and supporting multiple currencies. - Free international transfers.
There are no fees for sending money abroad, but local banks may charge additional fees. - Variety of payment methods.
Supports a wide range of payment methods, including bank transfers, cards, and cash. - Strong security.
Uses advanced security technologies and an anti-fraud team to ensure safe transactions.
Despite its advantages, Skrill does have its drawbacks, including a $2 fee for domestic transfers and frequent verification issues that users complain about.
3. Paxum
Paxum is an international e-wallet with Canadian registration, developed primarily for webmasters and affiliate programs, especially in the 18+ industry.
Advantages:
- Accessibility for all GEOs.
Works worldwide, allowing users from different countries to conduct transactions. - Industry focus.
Popular among affiliate networks in the 18+ industry, which makes the payment process more convenient. - Affordable fees.
The fixed fee for transfers between users is $0.25, and ATM withdrawals are from $2 + 0.5-3%. - Quick registration.
Simple account creation process and prompt verification. - Referral program.
Gives users the opportunity to receive bonuses for attracting new clients.
Despite its advantages, Paxum charges quite high fees for bank transfers: the fee for incoming and outgoing payments is 0.05% (but not less than $25 or $50).
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